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Unity National Bank Of Houston

IDRSSD: 853251
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #853251 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.1% of deposits (threshold 30%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +5 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +23
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -7
80
Sub-score

Liquidity is strong: brokered 35.1%, loans/deposits 66.1%, cash 16.9% of assets.

Cash / Assets
16.89%
Loans / Deposits
66.08%
Brokered %
35.15%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.64%, CET1 15.79%, leverage 15.74%.

Tier 1 RBC
25.64%
CET1
15.79%
Leverage
15.74%
No watch items at this period.

Asset Quality

StableQoQ +23
75
Sub-score

Asset quality is stable: Adjusted NPL 3.13%, Texas Ratio 10.8%, NCO YTD 0.13%.

Adjusted NPL
3.13%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.13%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.13% (govt-guarantees stripped).

Reserves

WatchQoQ +5
45
Sub-score

Reserves are deteriorating: ALLL 1.63% of loans, coverage 53.0%, true coverage 53.0%.

ALLL / Loans
1.63%
Coverage
53.0%
True Loss Coverage
53.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:59:36 UTC